(Applicable TO businesses/non-individuals)

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1 Terms and Conditions Governing Accounts (Applicable TO businesses/non-individuals) STANDARD Terms First Asian Bank to achieve Crystal Mark for use of Plain English IN CORPORATE ACCOUNT TERMS DBS. Living, Breathing Asia

2 Standard Terms Terms and Conditions Governing Accounts 1 Introduction 1.1 By having any account with us or by using any of our services, you agree to these standard terms, any country terms that apply and any other terms which we may tell you about which apply to our products or services. These standard terms, together with the country terms that apply, replace all previous standard terms and conditions which may have applied to your account and our services. 1.2 If there is any difference in the terms which apply to our specific products and services, our country terms and our standard terms, the terms which apply to specific products or services will take priority, followed by the country terms and lastly the standard terms. 2 Definitions 2.1 In these standard terms, the following words have the following meanings. (a) Account means each account you open with us. (b) Agreement means these standard terms, the relevant country terms and any other specific terms and conditions agreed between us which apply to your account or any products or services you can access through your account or which are linked to your account. (c) Business day means any day (other than a Saturday or Sunday) we and, if another jurisdiction (country, state, territory or region) or another currency is involved, banks in the main financial centre of that jurisdiction, are open for general banking business. (d) Country terms means the terms and conditions for that specific jurisdiction where you open your account which amend these standard terms or are added to them. (e) Electronic services includes any electronic service we offer to use with your account. (f) Our members means DBS Bank Ltd and its branches, parent company, representative offices, agencies, subsidiaries and affiliates (including any branches or representative offices of any subsidiary or affiliate). (g) Standard terms means these corporate account standard terms. 2.2 In these standard terms the following also apply. (a) When we refer to a person, we also mean that person s executors, personal representatives and anyone authorised to take over their legal rights. Person also includes an individual, a partnership, a corporate organisation, an unincorporated association, a government, a state, an agency of state and a trust. (b) Including means including without any limitations. (c) A regulation includes any regulation, rule, official directive, request, code of practice or guideline (whether or not having the force of law) of any government organisation, agency, department, taxing authority or other authority or organisation in any jurisdiction. (d) Whenever we refer to a law or regulation, we mean any amendments to it and related legislation. (e) Any agreement includes any amendment, supplement, or replacement to that agreement. (f) We, us and our means any of our members where you open your account and where it is maintained, or which provide you with a service. (g) You or your means the account holder or the person we have agreed to provide a service to. 3 Opening and managing your account 3.1 Requirements. For any account you open with us or service we provide to you, we may set limits on how much you need to have in your account when it is opened, credit balances, amounts on which we will pay interest and types of currencies that we may accept, as well as our charges, commission and usual interest rates and any other requirement we may tell you about. We may decide to change your account number if we have to do so in connection with our business, or if you change the constitution of your business. However, we will tell you before we do this Information. You must give us all documents, information and authorisation we reasonably need to open and maintain your account. This includes for the purposes of us meeting know your customer, anti-money-laundering and anti-financing-terrorism requirements and any other laws and regulations which we need or agree to keep to. You must tell us promptly, in writing, of any change in any documents, information or authorisation given to us, and give us supporting documents and evidence of any change. Authorised signatories. You must give us your mandate for operating your account and tell us promptly, in writing, of any change in your mandate. If your account is operated by your authorised signatories (people you have given permission to operate the account), you must give us their names and specimen signatures and tell us promptly, in writing, if there is any change to them. We will tell you if we cannot accept any authorised signatory due to our policies or any law or regulation which we need to keep to or agree to keep to. Changing the authorised signatories. We will act on any instruction which we in good faith believe has come from your authorised signatories we have in our records. This will apply until we have received notice from you, in writing, that there has been a change to your authorised signatories and we have had a reasonable time (at least seven business days from receiving your notice), to change our records, after which we will act on instructions from the new authorised signatories (03/2012) Pg 1 of 16

3 Standard Terms Terms and Conditions Governing Accounts Account in trust. If you open an account in your name in trust or as nominee or in some other similar role, or as a capital markets services licence holder (or the equivalent) holding segregated clients accounts, the following will apply. (a) We will not recognise any person (other than you as the account holder) as having any interest in your account. (b) We will accept requests to pay money into and take money out of your account, and other instructions relating to your account, from you or your authorised signatories only. (c) It is your responsibility to manage this account for the benefit of your beneficiaries, and we have no responsibility to monitor this. Partnership account. If you open an account as a partnership, it is your responsibility to tell us promptly, in writing, about any change in the constitution of the partnership, for example, as a result of the death of any partner, being made bankrupt, retiring, or for any other reason. We may treat the remaining partners or the new partners (or both) as having full authority to manage your account as if there had been no change in the partnership. This applies unless we receive notice otherwise, in writing, from one of the remaining partners, the executors or legal personal representatives or trustees of any partner who has died, or the trustee in bankruptcy, liquidator or similar officer of any partner who has been made bankrupt or is insolvent. 4 Payments in and out of your account 4.1 Payments into your account. You may pay money into your account in currencies we accept and in any way we accept or agree to. We may charge you for certain methods of paying in money at rates we will tell you about. We will only accept payments into your account made in foreign currencies on a business day. The date the money is received as payment into your account will depend on current market practice or as we decide in line with our normal banking practice Receiving funds. If payment into your account is made by any method which needs clearing and settlement (for example, cheques), or through domestic or international transfer of funds, we do not have to credit your account before we actually receive the funds. If we credit your account before receiving the funds, this will be on the condition that we receive the funds, and we will deduct the money from your account if we do not receive the funds. Fixed or time deposits. For money you have put into a fixed or time deposit which is not set up to automatically renew, you need to tell us what to do with the money on or before the maturity date. (If you make, for example, a three-month fixed deposit, the maturity date would be three months from when you make the deposit.) If we do not hear from you, we may put your money, and any interest it has earned, back on deposit (redeposit it) for the same term as the original fixed or time deposit, using the interest rate which applies to your deposit at the time (or any other rate as we may decide). For fixed or time deposits which are set up to renew automatically, we will automatically redeposit the amount, and any interest it has earned, when it reaches the maturity date. This will be redeposited for the same term and at the interest rate which applies to your deposit at the time (or any other rate as we may decide), unless you tell us otherwise at least two business days before the maturity date. Withdrawals. You agree to the following. (a) You must keep enough funds in your account to cover all payments and withdrawals and make sure these funds are readily available. If payments cannot be made from your account because there are not enough funds in the account, we may charge you a fee for the unsuccessful payment. If your account does not have enough funds and we decide to allow a payment from your account or for your account to go overdrawn, you must pay all overdrawn amounts immediately, together with any interest and any other charges at our then current rates. (b) You can withdraw money from your account in any way which we accept or agree to. If you ask, we may (but do not have to) allow you to withdraw funds in a different currency from the currency in which your account is held. If we do this, our rate of exchange at the time you withdraw the money will apply. If you want to withdraw a substantial amount of cash in a specific currency, this will depend on the cash in that specific currency we have available. You may have to give us notice beforehand. (c) We may allow you to end or withdraw a fixed or time deposit early, but you would have to pay the charges and costs agreed in the country terms or as we decide. (d) We may not allow you to withdraw money from your account, and may not carry out any transaction or any matter relating to your account if: (i) we are not able to confirm your identity, or that of your authorised signatory to our satisfaction; (ii) we, acting reasonably, believe the request or instruction is not genuine, clear or complete; (iii) we believe that the signature is different from the specimen signature of the authorised signatory you gave us or the instruction is not signed in line with the mandate you gave us; (iv) funds in your account have been earmarked (set aside) for any reason, resulting in there being not enough funds to meet your request or instruction; (v) your account is closed or suspended; or (vi) we have to keep to any regulatory, legal, court or statutory requirement, request or order which relates to the following. - If we are told not to make the payment or allow the withdrawal. - If we have to pay any government body (or agency). - If we have to freeze your account. - If we are prevented from processing your request or instruction (03/2012) Pg 2 of 16

4 Standard Terms Terms and Conditions Governing Accounts Transferring funds. We may accept an instruction to transfer funds between your account and any other account belonging to you or any other person which is maintained with us or any other financial institution if we have the necessary arrangements in place. We will try to process your request to transfer funds on the day we receive your instruction or as soon as we can on the next business day or within the time provided in the country terms. You are responsible for making sure you give us the correct information (including details of the person you want to transfer the funds to) so that the transfer is successful. We do not have to check any information you give us in your instruction. We may set limits on transferring funds (for example, on the amount to be transferred or on how often you use the service). Place of payments. We will only pay money which you have in your account from our member where you hold your account or from any of that member s branches in the same jurisdiction where you hold your account. We will not pay it from any of our members or their branches in any other jurisdiction. 5 Interest, fees and charges 5.1 Interest payments. We will pay interest on the daily cleared and available credit balances of the funds in your interest earning account or accounts. This will be at the current interest rate that applies to the account at that time or at a rate you and we agree. We will not pay you interest on any unclaimed balance in a closed or suspended account or an account which we have listed as dormant. We may consider an account to be dormant if we consider that there has been no transaction made by you or no activity on the account has been carried out for a certain period of time. If you close an account that we have agreed to pay interest on, we will pay interest up to (but not including) the date you closed the account. 5.2 Charges, fees, costs, and so on. You must pay all fees, charges (including foreign-exchange commission or charges), costs, expenses and commissions in relation to your account and our services at the rates which apply at that time or as you and we agree. If, in the case of electronic payments, if it is not clear who should pay the charges, you will pay our charges and whoever receives the payment will have to pay the agent bank s charges. 6 Account statements 6.1 Account statements. In line with our normal banking practice, we will send you account statements through the post or our electronic services or by any other method we have agreed with you. You must tell us in writing if you do not receive an account statement within seven days of when you usually receive it. If you do not tell us, we will treat you as having received it. If you tell us about or we become aware of any incorrect or missing entry, information or amount in the account statement, we will correct the error and tell you promptly. 7 Our responsibilities 7.1 Care and skill. When providing you with any service in relation to your account, we will act with reasonable care and skill in line with the standards and practices of the banking industry and this agreement. We will decide the date that a transaction is recognised in line with the standards and practices of the banking industry Agents and so on. In providing our services to you, we may use any system for communication, clearing, settlement or payment, intermediary or correspondent bank, agent or other person or organisation. We will act in line with any rules and regulations of any system for clearing, settlement or payment, intermediary or correspondent bank that we choose and any international laws, rules and regulations that apply. You acknowledge that we and our correspondent bank also have to act in line with the laws and regulations of various jurisdictions which relate to money laundering, terrorism funding and legislation or rules on sanctions (for example, political measures taken against one or more jurisdictions). Using other organisations. As far as we are allowed under the laws or regulations that apply, we may pass or subcontract any part of our banking operations to anyone in any jurisdiction. We may also deal with and use the services of any of our members when providing our services to you. 8 Your responsibilities 8.1 Monitoring your account. It is your responsibility to do the following. (a) Monitor the balance of your account and promptly tell us in writing of any unauthorised payments or withdrawals from your account or of any suspicious matter to do with your account. (b) Check all account statements (including electronic statements and transaction records), and promptly tell us in writing of any unauthorised or wrong entries (payments in or out) or other inaccuracies. You must do this within 14 days from receiving the statement or, in the case of an electronic statement, within 14 days from the date of the statement. If you do not do this, you have accepted your account statement, electronic statement or transaction record to be correct, final and conclusive (03/2012) Pg 3 of 16

5 Standard Terms Terms and Conditions Governing Accounts (c) Promptly tell us in writing about any change in your postal address, phone number, fax number or address that we use to communicate with you, or any relevant change to any of your information we have in our records (including your signature, authorised signatory and mandate). You must also send us any documents we need to support this change. We will need at least seven business days from receiving this information to change our records, after which the updated change will apply. (d) Take reasonable care and precautions and have adequate internal-control procedures and security arrangements to prevent fraud, forgery or other unauthorised use of cheques, payment instructions, withdrawal requests and so on in relation to your account or service. (e) Tell us immediately if you become aware of any actual or suspected fraud, forgery or other unauthorised use of your account or any other matter concerning your account that you think looks suspicious. (f) If you use cheques, you must immediately: (i) tell us in writing if you do not receive a chequebook within two weeks of asking for it; (ii) tell us about, and put a stop on, any cheque which is lost or stolen; and (iii) return or destroy all unused cheques when your account is closed, to prevent any fraud, forgery and unauthorised use of your account. 8.2 Instructions. When you ask us to pay, withdraw or transfer funds, it is your responsibility to make sure that you give us complete, clear and accurate information (including all information we need in our standard application forms) so we can carry out your request. 9 Suspending and closing your account 9.1 You or us closing your account. Either of us may close your account at any time and, if it says so in the country terms, the person closing the account will give notice to the other before they do so. When your account is closed, you must pay us promptly all amounts you owe us, including overdrawn amounts (if any), interest, costs, expenses, commission and any other charges you owe on the account. If your account is in credit, we will pay you the balance (after deducting any amount you owe us) by posting a cashier s order or a banker s draft for the balance to the address we have for you in our records or in any other way we decide. We will not pay interest on unclaimed balances of closed accounts. This agreement will continue to apply until you and we have met all of our responsibilities. 9.2 Us suspending or closing your account. We may immediately suspend, freeze or close any account at any time without giving you notice or without giving any reason if: (a) any law or regulation which we have to keep to makes it illegal to maintain or allow you to continue to use your account; (b) we decide or have reason to suspect that the account is being used for or in connection with any fraudulent or illegal activities or transactions (including gambling, money laundering, funding terrorism, or tax evasion); (c) we find out about a continuing or potential dispute or any allegation of fraud or wrongdoing in your organisation or your management team or between your directors, shareholders, authorised signatories or your partners; (d) we receive instructions from your authorised signatories or any of your directors or partners (whether or not the director or partner is an authorised signatory to your account) which contradict your instructions; or (e) you fail to keep to any part of this agreement. Where we are allowed under relevant laws and regulations, we will tell you we have suspended or closed your account as soon as we can. 9.3 Ending our services. When your account is closed or suspended, we will automatically end all services in connection with the account. 10 Money you owe us 10.1 Money you owe us for charges, fees, interest and taxes and so on. If you owe us any money, fees, interest, commission, costs, tax, charges or other amounts (whether due immediately or later), we have the right, at any time, without giving you notice, to set off and deduct from your account the amount owed, even if this would make your account overdrawn. To do this, we may also combine or consolidate all or any of your accounts with us, whether your accounts are held in your name only or jointly with others. If we need to convert currency, we will do so using our currency exchange rate in force at the time Funds added by mistake. If funds are credited to your account by mistake, we may, once we are aware of the mistake, immediately deduct the funds from your account. We will tell you about the mistake and the amount we have deducted. If you have used or withdrawn the funds, you must return the funds to us as soon as we have told you about the mistake. Our rights. Our rights under this clause apply as well as any security interest (for example, mortgage or pledge ), right of set-off or other rights we may have under any law which applies (03/2012) Pg 4 of 16

6 Standard Terms Terms and Conditions Governing Accounts 11 Covering us against loss 11.1 Indemnity. You agree to indemnify (cover) us against or pay to us (or both) all losses, damages, expenses, costs (including legal costs we pay or have to pay to our lawyers and losses, damages, expenses and costs arising out of claims or proceedings) which we may pay or have to pay as a result of: (a) any dispute you have or may have with your beneficiaries about opening, managing or maintaining your account; (b) us acting on the instructions of your authorised signatories which we believe in good faith to be genuine; and (c) you failing to keep to any part of this agreement What we are not legally responsible for. We will not be liable for any loss, damage, expense, cost, claim or proceeding, whether direct, indirect or consequential and whether arising under contract or not which you, or any other person, may suffer or face due to the following. (a) Us delaying or failing to carry out our responsibilities to you, if that delay or failure results from: (i) us keeping to this agreement or to any law or regulation, order of court of the relevant jurisdiction, exchange controls or currency restrictions or sanctions legislation, anti-money-laundering or anti-financing-terrorism laws and regulations; (ii) a payment or communication system failure, power failure, computer breakdown, mechanical fault or failure, problem or fault in any software program, or any government restrictions, intervention, emergency procedures or suspension of trading by any relevant market, civil order, act or threatened act of terrorism, natural disaster, war, strike or other circumstances beyond our control; or (iii) us using any communication, clearing, settlement or payment system, intermediary or correspondent bank, agent, or anyone else we may choose, to carry out our responsibilities to you, or their act or failure to act. (b) You failing to keep to the terms of this agreement or in any way being involved in fraud, forgery or other unauthorised use of your account. 12 Foreign-exchange risks, currency risks and so on 12.1 International payments. International payments are made under the rules and regulations of the relevant system for clearing, settlement or payment with which we and any intermediary or correspondent bank must keep to, and the laws and regulations of the jurisdiction where the payment is to be made. If you ask us to transfer funds to another jurisdiction, we will generally not convert those funds into the currency of that jurisdiction, unless you ask us to or we have to under the laws, rules and regulations of that jurisdiction Tax and currency risk. For foreign-currency accounts, you agree that: (a) you will be responsible for any taxes and you will accept the risk of loss in value of currency, or funds not being available for withdrawal at any time or when they become due for payment (if this applies) due to restrictions on converting currency, the availability of funds in that currency or transfers by the jurisdiction of origin of that currency, or any government action; and (b) if the foreign currency is currency of any state or country of a monetary union, if anything relating to the monetary union happens which restricts availability, conversion, credit or transfers of that foreign currency or makes it impossible or impractical for us to carry out our obligations to you concerning that foreign-currency deposit or balance in your account, we do not have to pay you the funds in your account, whether in that foreign currency or any other currency. Also, if we reasonably decide that we cannot effectively use the foreign-currency funds deposited with us, we may do one or more of the following. (i) Suspend, stop or reduce our interest payments on the funds for a period we may reasonably decide. (ii) Charge you interest or other charges on the deposit at our rates which apply at that time. (iii) In the case of fixed deposits, change the term of the fixed deposit. If any of the above happen, we will tell you as soon as possible Risks of foreign exchange. You agree that we can convert funds, at our rate of exchange which applies at the time, to the currency of your account and you will accept any loss in value of the funds resulting from changes to the foreign exchange rate if: (a) you make deposits, withdrawals or transfers in a currency which is different from the currency of your account; (b) refunds into your account for unsuccessful transfers or payments are in a currency different from the currency of your account; or (c) we need to convert currency in connection with fees, charges or any transactions in relation to your account. 13 Your information 13.1 Customer information. We will treat information relating to you, your account and transactions on the account as confidential. However, unless the law says otherwise, you give us and our members permission to give any information relating to you, your account and your transactions and any member of the group of companies to which you belong, to the following. (a) Our members (including any successors). (b) Our advisers, data carriers, service providers and agents and any person providing services to any of them for meeting any internal requirements or to manage risk or to investigate a customer before entering into a relationship or an agreement with them or for providing banking and other services or products to you and any member of the group of companies to which you belong (03/2012) Pg 5 of 16

7 Standard Terms Terms and Conditions Governing Accounts (c) Any person (including any regulatory or government organisation or quasi-governmental authority (for example, a government or state-owned company or enterprise), agency, department or regulatory (including self-regulatory), financial, taxing or other authority or organisation), in any jurisdiction, in so far as we need to do so to keep to relevant laws and regulations or any order, directive or request which we are required to keep to, or which we in good faith believe that we should keep to. (d) Anyone who takes over or may take over all or part of our rights or obligations under this agreement or anyone this agreement (or any part of it) is transferred to or may be transferred to. (e) Any person who we believe in good faith to be your director or other officer, shareholder, partner (in the case of a partnership), account signatory or legal advisor, or in the case of a trust account, the beneficiary of the account. (f) Anyone we believe in good faith it is reasonable to give it to Legal right to release information. Our rights under this clause apply as well as, and without affecting, any other rights to release information which we may have under any agreement we have with you or any laws and regulations that apply. Continuing permission. The permission you give by agreeing to this clause 13 will apply even after this agreement ends and your account is closed. 14 Communication 14.1 Communication from us. In line with our normal banking practice or as agreed with you, we may send any account statement, deposit confirmation or confirmation of any transaction, correspondence, notice or other communication to you by: (a) hand or by post to the postal address we have for you in our records; (b) fax to the fax number we have for you in our records; (c) to the address we have for you in our records; or (d) using our electronic services or any other electronic media. Where necessary, we can also give any notice and communication through the press, radio, television, internet or any other media we choose Any communication from us to you will apply from: (a) if delivered by hand the time it is delivered; (b) if sent by post three business days after posting; (c) if sent by fax at the time shown in our transmission report as being successfully sent; (d) if sent by at the time we send it to your address; (e) if sent by electronic services at the time it was sent; and (f) if made through the press, radio, television or internet at the time it was made. Communication from you. Any notice, instruction, correspondence or other communication you give us must be in writing and we must receive it. We may accept instructions by phone or over the counter, by fax, by our electronic services or by any other method we may agree with you. You must give us any application forms, authorisations or other documents we may need to do this. Lost or delayed communication. Neither you nor we are responsible if any communication is delayed, intercepted, lost or in any other way fails to reach the other when it is being delivered or sent. This also applies if anyone else becomes aware of the contents of any communication when it is delivered or sent. 15 Changes to these standard terms 15.1 Changes. At any time, we may make changes to these standard terms or the country terms. We will give you reasonable notice of changes by either sending you the revised terms, putting them on our website and telling you about them or publishing them in the media. All changes will apply from the date stated in the notice or public announcement Not accepting these terms. If you do not accept the revised standard terms or the revised country terms, you have the option to close your account before they take effect. If you do not close your account after the date the revised terms come into effect, we will treat you as having agreed to the changes. 16 General 16.1 Representation. You agree that you will meet your responsibilities under this agreement and that all communication or documents you give us electronically or by fax or as photocopies are true copies of the originals, and that the originals are authentic and complete. You confirm that your obligations under this agreement are valid, binding and enforceable in line with their terms Recording. We may record any telephone conversations we have with any of your directors, officers or authorised signatories. These recordings will be our property and will, unless there is an obvious mistake, be conclusive proof of the conversation (03/2012) Pg 6 of 16

8 Standard Terms Terms and Conditions Governing Accounts Scanned records. You agree that scanned records, electronic data or images of any form, cheque, method of payment or other electronic documents, instruction or communication in connection with your account can be used as evidence in any court proceedings as proof of their contents. Joint and separate responsibility. If an account is held by two or more people jointly, or two or more organisations or business names, the account holders will be jointly and severally (jointly and separately) responsible under this agreement. Keeping documents. We will keep original documents (for example, cheques, bonds, drafts, bills of exchange) and store any electronic data or images in relation to these documents, for as long as the law and the standards and practices of the banking industry say we must. After this time we may destroy them. Tax and other charges. You must make all payments you owe us under this agreement without deducting any tax or other charges payable in relation to the payments. Enforcing the conditions. If any of these standard terms or the relevant country terms cannot be enforced or is no longer valid, it will not affect any of the other terms of the standard terms or country terms. Failing to enforce our rights. If we decide not to enforce any of our rights under this agreement, it will not mean we will not do so in the future. It also does not mean the right no longer exists. Assignment. You may not assign or transfer any right or obligation under this agreement without giving us notice in writing and getting our permission in writing beforehand. You agree that we may assign all or any of our rights and transfer all or any of our rights and obligations under or in connection with this agreement. Governing law. These standard terms and the relevant country terms are governed by the laws of the jurisdiction where your account is opened and held. Other languages. If these standard terms or any country terms are translated into a language other than English and there is any difference or inconsistency between the two, the English version will apply (unless otherwise agreed in the country terms) (03/2012) Pg 7 of 16

9 Ketentuan Standar Syarat dan Ketentuan Rekening 1 Pengantar 1.1 Dengan memiliki rekening dengan kami atau dengan menggunakan jasa kami, saudara setuju dengan ketentuan standar, ketentuan wilayah apapun yang berlaku dan ketentuan-ketentuan lainnya yang akan kami sampaikan yang berlaku terhadap produk atau jasa kami. Ketentuan standar ini, bersama dengan ketentuan wilayah yang berlaku, menggantikan semua ketentuan dan syarat terdahulu yang mungkin telah diberlakukan terhadap rekening saudara dan jasa kami. 1.2 Jika ada perbedaan ketentuan-ketentuan yang berlaku terhadap produk dan jasa kami yang spesifik, ketentuan wilayah dan ketentuan standar kami, ketentuan-ketentuan yang berlaku terhadap produk atau jasa yang spesifik yang akan diprioritaskan, diikuti dengan ketentuan wilayah dan akhirnya ketentuan standar. 2 Definisi-definisi 2.1 Dalam ketentuan standar ini, kata-kata berikut memiliki arti-arti berikut. (a) Rekening berarti setiap rekening yang saudara buka dengan kami. (b) Perjanjian berarti ketentuan standar ini, ketentuan wilayah yang relevan serta ketentuan-ketentuan dan syarat-syarat lainnya yang disetujui di antara kita yang berlaku terhadap rekening saudara atau produk dan jasa yang dapat saudara akses melalui rekening saudara atau yang terkait dengan rekening saudara. (c) Hari kerja berarti hari apapun (selain Sabtu dan Minggu) dimana kami dan, jika melibatkan wilayah kewenangan lain (negara, wilayah atau area) atau mata uang lain, bank di pusat keuangan dari wilayah kewenangan tersebut buka untuk kegiatan perbankan secara umum. (d) Ketentuan wilayah berarti ketentuan-ketentuan dan syarat-syarat untuk setiap wilayah kewenangan yang spesifik tersebut di mana saudara membuka rekening yang mengubah ketentuan standar atau ditambahkan kepadanya. (e) Jasa-jasa elektronik mencakup setiap jasa elektronik yang kami tawarkan untuk digunakan dengan rekening saudara. (f) Anggota-anggota kami berarti DBS Bank Ltd dan cabang-cabangnya, perusahaan induk, kantor perwakilan, agensi, anak perusahaan dan afiliasi (termasuk cabang atau kantor perwakilan atau anak perusahaan atau afiliasi manapun). (g) Ketentuan standar berarti ketentuan standar rekening perusahaan ini. 2.2 Dalam ketentuan standar ini, hal-hal berikut ini juga berlaku. (a) Saat kami merujuk kepada seseorang, maksud kami seseorang tersebut akan mencakup juga eksekutor, perwakilan pribadi dan siapapun yang diberikan otorisasi untuk mengambil alih hak-hak hukum seseorang tersebut. Seseorang juga mencakup individu, sebuah kemitraan, sebuah organisasi korporasi, dan asosiasi yang belum berbadan hukum, pemerintah, sebua negara, institusi negara dan sebuah perwalian. (b) Termasuk berarti termasuk tanpa batasan apapun (c) Suatu regulasi termasuk segala regulasi, peraturan, arahan resmi, permintaan, kode atau pedoman praktik (baik yang memiliki kekuatan hukum ataupun tidak) dari organisasi pemerintahan, institusi, departemen, otoritas perpajakan apapun atau otoritas lain atau organisasi di wilayah kewenangan manapun. (d) Setiap saat kami merujuk kepada sebuah hukum atau regulasi, maksud kami mencakup juga segala amandemen atasnya dan legislasi terkait. (e) Segala perjajian mencakup segala amandemen, suplemen atau pengganti dari perjanjian tersebut. (f) kami, oleh kami dan milik kami berarti semua anggota kami dimana saudara membuka rekening saudara dan dimana rekening tersebut dikelola, atau yang memberikan saudara layanan. (g) Anda atau milik anda berarti pemilik rekening atau orang yang sudah kami setujui untuk memberikan suatu pelayanan kepadanya. 3 Pembukaan dan pengelolaan rekening anda 3.1 Persyaratan. Untuk semua rekening yang saudara buka pada kami atau layanan yang kami sediakan kepada saudara, kami dapat menetapkan batasan mengenai berapa yang saudara harus miliki pada rekening saudara pada saat dibuka, saldo kredit, nilai dimana akan kami bayarkan bunga dan jenis mata uang yang dapat kami terima, demikian juga dengan tagihan-tagihan kami, komisi dan suku bunga biasa dan segala macam persyaratan lain yang dapat kami beritahukan kepada saudara. Kami dapat memutuskan untuk mengubah nomor rekening saudara apabila kami harus melakukan hal tersebut dalam hubungannya dengan bisnis kami, atau apabila saudara mengubah pendirian bisnis saudara. Namun, kami akan memberitahukan saudara sebelum kami melakukan ini. 3.2 Informasi. Saudara harus memberikan kami semua dokumen, informasi dan otorisasi yang secara masuk akal kami perlukan untuk membuka dan mengelola rekening saudara. Hal ini termasuk juga keperluan untuk tujuan kami memenuhi persyaratan mengenal pelanggan anda, anti pencucian uang dan anti pendanaan teroris dan segala hukum atau regulasi lain yang kami perlu atau setujui untuk patuhi. Saudara harus memberitahukan kami segera, secara tertulis, mengenai segala perubahan dalam segala dokumen, informasi atau otorisasi yang diberikan kepada kami, dan memberikan kami dokumen atau bukti pendukung atas segala perubahan (03/2012) Pg 8 of 16

10 Ketentuan Standar Syarat dan Ketentuan Rekening 3.3 Kuasa Penandatangan. Saudara harus memberikan kami mandat saudara untuk mengoperasikan rekening saudara dan memberitahukan kami segera, dalam bentuk tertulis, mengenai perubahan pada mandat saudara. Apabila rekening saudara dioperasikan oleh penerima kuasa penandatangan saudara (orang-orang yang telah saudara berikan izin untuk mengoperasikan rekening saudara), saudara harus memberikan kami nama-nama dan spesimen tanda tangan mereka, dan memberitahukan kepada kami, dalam bentuk tertulis, apabila ada perubahan dalam hal-hal tersebut. Kami akan memberitahukan saudara apabila kami tidak dapat menerima salah satu penerima kuasa atas dasar kebijakan kami atau segala hukum atau regulasi yang kami perlu atau setujui untuk patuhi. 3.4 Mengubah kuasa penandatangan. Kami akan bertindak atas segala instruksi yang dengan itikad baik kami percayai berasal dari penerima kuasa saudara yang kami miliki pada catatan kami. Hal ini akan berlaku hingga kami menerima pemberitahuan dari saudara, dalam bentuk tertulis, bahwa telah terjadi perubahan pada penerima kuasa saudara, dan kami telah memiliki waktu yang pantas (paling sedikit tujuh hari kerja dari saat kami menerima pemberitahuan saudara), untuk mengubah catatan kami, dimana setelahnya kami akan bertindak atas instruksi dari penerima kuasa yang baru. 3.5 Rekening perwalian. Apabila saudara membuka rekening dengan nama saudara atas perwalian atau sebagai perantara atau dalam peran serupa lainnya, atau sebagai seorang pemegang izin jasa pasar modal (atau yang setara) yang mengelola rekening milik klien yang dipisahkan, ketentuan-ketentuan berikut ini akan berlaku. (a) Kami tidak akan mengakui orang lain (selain saudara sebagai pemilik rekening) sebagai orang yang memiliki kepentingan atas rekening saudara. (b) Kami akan menerima permintaan untuk membayar uang kepada dan mengambil uang dari rekening saudara, dan instruksi-instruksi lainya yang berhubungan dengan rekening saudara, hanya dari saudara atau penerima kuasa saudara. (c) Adalah kewajiban saudara untuk mengelola rekening ini untuk kepentingan orang-orang yang berkepentingan dengan saudara, kami tidak memiliki tanggung jawab untuk mengawasi hal ini. 3.6 Rekening kemitraan. Apabila saudara membuka sebuah rekening sebagai sebuah kemitraan, adalah tanggung jawab saudara untuk memberitahukan kami segera, dalam bentuk tertulis, mengenai segala perubahan pada akta pendirian kemitraan, sebagai contoh, karena kematian dari salah satu mitra, dipailitkan, pensiun, atau untuk segala alasan lain. Kami dapat memperlakukan mitra-mitra yang masih ada atau mitra-mitra baru, atau kedua-duanya sebagai pemilik otoritas penuh untuk mengelola rekening saudara seolah-olah tidak terjadi perubahan pada kemitraan tersebut. Ini berlaku, kecuali apabila kami menerima pemberitahuan lain, dalam bentuk tertulis, dari salah satu mitra yang masih ada, juru sita, atau kuasa hukum personal atau trustees dari mitra manapun yang telah meninggal, atau kurator, likuidator atau pejabat serupa dari mitra manapun yang telah dipailitkan atau insolven. 4 Uang masuk dan keluar pada rekening saudara. 4.1 Pembayaran masuk ke rekening saudara. Saudara dapat membayarkan uang ke rekening saudara dalam mata uang yang kami terima dan dalam segala cara kami terima atau setujui. Kami dapat membebankan saudara untuk pelaksanaan metode-metode tertentu dalam memasukkan uang suatu tarif yang akan kami beritahukan kepada saudara. Kami hanya akan menerima uang yang masuk ke rekening saudara dalam mata uang asing pada hari kerja. Tanggal dimana uang tersebut diterima sebagai pembayaran ke rekening saudara akan tergantung pada praktik pasar saat ini atau seperti keputusan kami sesuai dengan praktik perbankan normal kami. 4.2 Penerimaan uang. Apabila pembayaran ke rekening saudara telah dilakukan dalam metode apapun yang memerlukan kliring dan penyelesaian (sebagai contoh, cek), atau melalui transfer dana domestik atau internasional, kami tidak harus mengkreditkan rekening saudara sebelum kami telah benar-benar menerima dana tersebut. Apabila kami mengkreditkan dana pada rekening saudara, hal ini akan dilakukan dengan persyatan bahwa kami menerima dana tersebut, dan kami akan memotong uang tersebut dari rekening saudara apabila kami tidak menerima dana tersebut. 4.3 Deposito tetap atau berjangka. Untuk uang yang telah saudara tempatkan pada sebuah deposito tetap atau berjangka yang tidak ditetapkan untuk secara otomatis diperbarui, saudara harus memberitahukan kepada kami tentang apa yang harus dilakukan dengan uang tersebut pada atau sebelum tanggal jatuh temponya. (Apabila saudara membuat, sebagai contoh, sebuah deposito tetap tiga bulan, tanggal jatuh temponya adalah tiga bulan dari saat saudara membuat deposito tersebut.) Apabila kami tidak mendapat kabar dari saudara, kami dapat menempatkan uang saudara, dan segala bunga yang telah dihasilkan, kembali ke deposito (mendepositokan kembali) untuk termin yang sama dengan deposito tetap atau berjangka yang awal, dengan suku bunga yang berlaku kepada deposito saudara pada waktu itu (atau suku bunga lain yang dapat kami putuskan). Untuk deposito tetap atau berjangka yang ditetapkan untuk diperbaharui secara otomatis, kami akan secara otomatis mendepositokan kembali nilai, dan segala bunga yang telah dihasilkan, ketika mencapai tanggal jatuh temponya. Ini akan didepositokan kembali dengan termin yang sama dan pada suku bunga yang berlaku pada deposito saudara pada waktu itu (atau suku bunga lainnya yang dapat kami putuskan), kecuali saudara memberitahukan kami secara lain paling sedikit dua hari kerja sebelum tanggal jatuh tempo (03/2012) Pg 9 of 16

11 Ketentuan Standar Syarat dan Ketentuan Rekening 4.4 Penarikan Saudara menyetujui hal-hal berikut ini. (a) Saudara harus menyimpan dana yang cukup pada rekening saudara untuk menutup semua pembayaran dan penarikan dan memastikan agar dana tersebut tersedia. Apabila pembayaran tidak dapat dilakukan dari rekening saudara karena dana di rekening saudara tidak mencukupi, kami dapat membebankan saudara biaya atas kegagalan pembayaran tersebut. Apabila rekening saudara tidak memiliki dana yang cukup, dan kami memutuskan untuk memperbolehkan pembayaran dari rekening saudara atau untuk rekening saudara menjadi lebih tarik, saudara harus membayar semua jumlah lebih tarik segera, bersama dengan segala bunga dan biaya lain dengan tarif kami pada saat itu. (b) Saudara dapat menarik uang dari rekening saudara dengan segala cara yang kami terima atau setujui. Apabila saudara meminta, kami dapat (tetapi tidak harus) memperbolehkan saudara menarik dana dalam mata uang berbeda dari mata uang rekening saudara. Apabila kami melakukan ini, mata uang mata uang asing kami pada saat saudara menarik uang akan berlaku. Apabila saudara mau menarik uang tunai dalam nilai besar dalam mata uang tertentu, hal ini akan tergantung pada nilai uang tunai dalam mata uang tersebut yang kami miliki. Saudara mungkin harus memberitahukan kami sebelumnya. (c) Kami dapat memperbolehkan saudara untuk mengakhiri atau menarik sebuah deposito tetap atau berjangka lebih awal, namun saudara harus membayar beban-beban dan biaya yang telah disepakati dalam ketentuan wilayah atau sebagaimana kami tentukan. (d) Kami dapat tidak memperbolehkan saudara untuk menarik uang dari rekening saudara, dan melakukan segala transaksi atau hal lainnya yang berhubungan dengan rekening saudara apabila: (i) Kami tidak dapat mengkonfirmasi identitas saudara atau penerima kuasa saudara secara memuaskan untuk kami; (ii) Kami, bertindak sepatutnya, meyakini bahwa permintaan atau instruksi tidaklah asli, jelas atau lengkap; (iii) Kami meyakini bahwa tanda tangan yang tertera pada spesimen tidak sesuai dengan tanda tangan saudara atau tanda tangan penerima kuasa saudara, atau instruksi tersebut tidak ditandatangani sesuai dengan mandat yang saudara berikan ke kami; (iv) Dana pada rekening saudara telah diperuntukkan (dikesampingkan) untuk alasan apapun, yang mengakibatkan tidak cukupnya dana untuk memenuhi permintaan atau instruksi saudara; (v) Rekening saudara telah ditutup atau ditangguhkan; atau (vi) Kami harus memenuhi segala persyaratan regulasi, hukum, pengadilan, atau undang-undang, permintaan atau perintah yang berhubungan dengan hal-hal berikut ini. - Apabila kami diberitahu agar tidak melakukan pembayaran atau mengizinkan penarikan. - Apabila kami harus membayar segala badan dan dinas pemerintahan (atau lembaga). - Apabila kami harus membekukan rekening saudara. - Apabila kami terhalangi untuk memproses permintaan atau instruksi saudara. 4.5 Transfer dana. Kami dapat menerima sebuah perintah untuk memindahkan dana antara rekening saudara dengan rekening lain manapun yang dimiliki saudara atau orang lain yang dikelola oleh kami atau oleh institusi keuangan lainnya apabila kami memiliki pengaturan yang diperlukan. Kami akan mencoba untuk memproses permintaan saudara untuk memindahkan dana pada hari kami menerima instruksi saudara atau segera setelah kami bisa pada hari kerja berikutnya atau dalam jangka waktu yang tertera pada ketentuan wilayah. Saudara bertanggung jawab untuk memastikan bahwa saudara memberikan kami informasi yang benar (termasuk rincian dari orang yang hendak saudara pindahkan dana kepadanya) agar pemindahan tersebut dapat terlaksana. Kami tidak harus memeriksa segala informasi yang saudara berikan kepada kami dalam instruksi saudara. Kami dapat menetapkan batas pemindahan dana (sebagai contoh, pada nilai yang akan dipindahkan dan seberapa sering saudara menggunakan layanan tersebut). 4.6 Tempat pembayaran. Kami hanya akan membayar uang yang saudara miliki pada rekening saudara dari anggota kami dimana saudara memiliki rekening atau dari cabang anggota dalam wilayah kewenangan yang sama dimana saudara memiliki rekening. Kami tidak akan membayar dari segala anggota kami atau cabang-cabang mereka di wilayah kewenangan lain manapun. 5 Bunga, ongkos dan biaya 5.1 Pembayaran bunga. Kami akan membayar bunga dari saldo harian bersih dan yang tersedia pada rekening atau rekening- rekening saudara yang mendapat bunga. Hal ini akan dilakukan dengan suku bunga yang berlaku terhadap rekening tersebut pada saat itu atau pada suku bunga yang kami dan saudara setujui. Kami tidak akan membayar bunga kepada saudara atas saldo yang tidak ditarik pada rekening yang ditutup atau ditangguhkan atau sebuah rekening yang telah kami nyatakan sebagai tidak aktif. Kami dapat menganggap sebuah rekening menjadi tidak aktif apabila menurut kami tidak ada transaksi yang saudara buat atau tidak ada aktivitas pada rekening dalam jangka waktu tertentu. Apabila saudara menutup sebuah rekening yang kami telah setuju untuk membayar bunga atasnya, kami akan membayar bunga hingga (namun tidak termasuk) tanggal saudara menutup rekening tersebut. 5.2 Ongkos, biaya, pengeluaran, dan sebagainya. Saudara harus membayar semua biaya, ongkos (termasuk komisi dan biaya pertukaran mata uang asing), biaya, pengeluaran, dan komisi yang berhubungan dengan rekening saudara dan layanan-layanan kami dengan tarif yang berlaku pada saat itu atau seperti kesepakatan saudara dengan kami. Apabila, dalam hal pembayaran elektronik, tidak jelas siapa yang harus membayar biaya-biaya tersebut, saudara akan membayar biaya-biaya kami dan siapapun yang menerima pembayaran tersebut akan harus membayar biaya agen bank (03/2012) Pg 10 of 16